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Ghulam's Group
In this Group: Ghulam , Shahida , Sumaira , Mehmooda , Gulfareen , Zohra
Ghulam is a 25-year-old, hard-working housewife and a responsible mother of two daughters and a son. Since 2011, her husband has been running a vegetable and dried fruit shop. He is interested in purchasing dried fruit and vegetables from the market, but due to financial contraints, he has found it difficult.

To help her husband, Ghulam, as member of a six-person lending group (Ghulam's Group), has requested a loan from Kiva's partner BRAC Pakistan. The loan will allow Ghulam's husband to offer more varieties to his clients and increase his sales and net income. Ghulam desires of her family’s bright future.

Note: In the picture, Ghulam holds a passbook in her hand.

Additional Information

More information about this loan

BRAC Pakistan focuses its work in some of the most underdeveloped parts of Pakistan, characterized by poor infrastructure and high levels of poverty. By supporting this loan, you are enabling access to finance for borrowers living in some of Pakistan's poorest areas.

About BRAC Pakistan

BRAC Pakistan is a subsidiary of BRAC, one of the world’s largest development organizations with a focus on microfinance and economic empowerment. It offers micro-loans designed to help small businesses, very poor clients and others, in addition to health and education services. Kiva’s flexible, zero-interest capital will enable BRAC to expand its outreach in underserved regions and to women who have had no access to microfinance services.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Pakistan

  • $4,700
    Average annual income
  • 310
    View loans »
    Pakistan Loans Fundraising
  • $14,499,975
    Funds lent in using Kiva
  • 98.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ghulam's Group's $1,225 loan helped a member to purchase a variety of vegetables and dried fruit for her husband's business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 13, 2012
Dec 18, 2012
Currency Exchange Loss:
Oct 17, 2013